Healthcare Reform Has Finally Passed!
So why are you still uninsured?
You may be eligible for Affordable Health Coverage:
Why Cobra Health Plans?
COBRA is a federal program for employees who have been laid off or fired from their job. In companies with 60 or more employees, the former employee may be eligible to keep their group health insurance plan for 18 months.
But here is the problem: The former employee must pay full price for the continuing coverage. Family plans these days often cost $1,400 or more! Fortunately, you could easily shop potentially cheaper alternatives to COBRA on the open market right here.
Anyone is eligible to use this website, regardless of your current or past coverage, employment or medical conditions. Enter your zip code above to begin.
Using this website:
This service is simple, secure, and absolutely free!
About UsCobraHealthPlans.com was formed in 2002 as a resource for consumers and/or employees looking for health insurance via COBRA in addition to direct to carrier relationships. Since that time our provider network has expanded greatly and consumers may be provided quotes from many top carriers and agencies.
The network also includes literally thousands of independent insurance agencies and agents so consumers who shop for insurance through our service not only see all levels of coverage for their situation, but can choose the best prices as well.
CobraHealthPlans.com is not an insurance company or agency and does not sell insurance or provide coverage. We simply present rates and if necessary facilitate the connection of consumers with agents or agencies who may be able to help them find the best coverage at the best rates.
How Does CobraHealthPlans.com Help Me Compare Health Insurance Quotes?CobraHealthPlans.com has been helping people save money on health insurance since 2002. Why have thousands of consumers shopping for health insurance turned to us to help find cheap rates on health insurance? We save time and money by eliminating the need to visit multiple websites and call company after company to find great health insurance policies. CobraHealthPlans.com does not sell insurance, instead, you fill out one fast, easy form and we match you up with local insurance agents who can help you find the best, most cost-effective health insurance plan to meet your needs. With agents competing for your business, you can be certain you are finding the best premiums on the right health insurance plan for you.
How Can I Lower My Health Insurance Premiums?There are many ways you can help to lower your health insurance premiums. First is to shop around before enrolling in a health insurance plan. You can make lots of phone calls or fill out forms on a bunch of websites and hope that you can compare health insurance rates that way. Or you can use CobraHealthPlans.com, where you fill out one easy form and local health insurance agents compete for your business.
A second way of lowering your health insurance costs is to increase the deductible and/or co-pays in your plan. A higher deductible - usually anything over $1,000 a year -- means that you will be paying more out of your own pocket for any expenses you incur. But when paired with a Health Savings Account, a higher deductible may be a more cost-effective option.
Finally, and most important, you will receive lower rates on health insurance plans if you maintain a healthy lifestyle. Quitting smoking may have the most immediate impact, as will lowering cholesterol and keeping a healthy body weight for your height. Remember, health insurers consider healthy people to be much less of a risk than those who do not maintain a healthy lifestyle. That higher risk results in higher premiums.
6 Questions to Ask Your Health Insurance AgentTo help you have the most productive conversation with your health insurance agent, we've created a list of 6 questions you should ask to ensure that you are as comfortable as possible with the plan you're being offered.
These questions, of course, are just the beginning of the conversation you'll have with the agent. You may want to ask specific questions about emergency care, preventative treatment, or specific illnesses. Remember, the agent will try to be as helpful as possible, but only you know what features are most important to you in a health plan.
- Do you represent one insurance company or are you a broker selling many companies' products? It's important to understand the range of insurance products the agent is selling.
- What if I need medical care and I'm out of town? Whether you travel every week or once a year, it's important to know how your policy will cover emergencies out of town.
- What is the co-pay percentage and annual deductible? What is the prescription drug coverage? And does it kick in right away or is there a deductible?
- Be sure to ask about limits of the coverage: What is the maximum out of pocket expense? Is there a per illness maximum each year? What is the lifetime maximum benefit? Is there an annual maximum benefit? Is there a limit to the number of doctor copay visits in a given year? If multiple members of my family fell ill, is there a cap to the number of deductibles we need to pay? What are the benefit caps on outpatient treatment, if any?
- Will my premium increase if someone on the policy becomes ill? Can the insurance company cancel my insurance or increase my rates if I become ill?
- Until when are my children covered? After they move out of the house? Graduate from college? Get a full time job?